One thought that comes up is the use of 2nd pillar. I would love to use this for 10% of the deposit (either pledge or pay direct) - and as it would start as a primary residence, this is easy.
I have researched extensively - and I see the requirement to pay it back if you sell the property. However, I cannot find any requirement to pay it back if you change it to a second residence / AirBnB / investment rental. It seems that as long as it was a primary residence when you start, as long as you don’t sell, it doesn’t matter. Does anyone have knowledge in this area?